The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,280
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,061
−HK$1,810/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,575
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,723
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,432
−HK$1,734/mo
Today · 4.125%
HK$67,166
baseline
▲ 0.50% · 4.625%
HK$70,706
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,332/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,735
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,874
−HK$2,172/mo
Today · 4.125%
HK$73,046
baseline
▲ 0.50% · 4.625%
HK$77,490
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,092/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,467
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,518
−HK$2,081/mo
Today · 4.125%
HK$80,599
baseline
▲ 0.50% · 4.625%
HK$84,847
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,198/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,191
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,686
−HK$2,534/mo
Today · 4.125%
HK$85,220
baseline
▲ 0.50% · 4.625%
HK$90,405
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,440/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,212
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,605
−HK$2,427/mo
Today · 4.125%
HK$94,032
baseline
▲ 0.50% · 4.625%
HK$98,988
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,064/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,103
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,310
−HK$3,259/mo
Today · 4.125%
HK$109,569
baseline
▲ 0.50% · 4.625%
HK$116,236
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,138/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,701
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,777
−HK$3,121/mo
Today · 4.125%
HK$120,898
baseline
▲ 0.50% · 4.625%
HK$127,271
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,796/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,591 · Scale 2, in force from 26 Feb 2026)